| Metric | Legence Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.1% | +4.9% | -6.0 pts |
| Deposit growth (YoY) | -2.2% | +4.3% | -6.6 pts |
| Loan growth (YoY) | -6.3% | +5.3% | -11.6 pts |
| ROA | 1.96% | 1.28% | +0.7 pts |
| ROE | 19.9% | 12.4% | +7.5 pts |
ROA ranks in the 86th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $642.9M | $573.6M | $395.7M | $64.9M | $6.3M | 1.96% | 5.26% | 0.73% |
| Q1 2026 | $648.3M | $581.2M | $408.4M | $63.0M | $2.7M | 1.69% | 5.12% | 1.07% |
| Q4 2025 | $648.6M | $570.8M | $422.0M | $63.3M | $10.7M | 1.64% | 5.19% | 1.06% |
| Q3 2025 | $647.0M | $579.7M | $407.7M | $61.5M | $8.3M | 1.70% | 5.18% | 0.64% |
| Q2 2025 | $649.8M | $586.7M | $422.2M | $58.8M | $5.2M | 1.59% | 5.10% | 0.68% |
| Q1 2025 | $662.8M | $601.9M | $423.8M | $56.8M | $2.4M | 1.45% | 5.02% | 0.50% |
| Q4 2024 | $645.7M | $586.2M | $432.8M | $54.9M | $10.7M | 1.67% | 4.84% | 0.42% |
| Q3 2024 | $630.6M | $560.5M | $427.7M | $57.2M | $7.4M | 1.54% | 4.82% | 0.59% |
Loan mix (Q2 2026): real estate $243.4M · commercial $78.5M · consumer $33.4M · securities $184.9M
| Ratio | Legence Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.96% | 1.28% | 86th | |
Return on equity Annualized net income ÷ equity or net worth | 19.9% | 12.4% | 88th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.26% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 62.4% | 61.2% | 53th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Legence Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Legence Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Legence Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Legence Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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